家庭保險哪種好 家庭保險規劃方案

baoxianzuijibendegongnengjiushibaozhanganquan，tebieshiduiyuputongjiatinglaishuo，guihuayifenjiatingbaoxianfanganyouweizhongyao。namejiatingbaoxianfanganruheguihuane？jiatingbaoxianmainagehuibijiaohaone

？xiamianduobaoyujiulaigeidajiajiandanjieshaoyixiaba。

一、為經濟支柱購買保險

fengxianshishikekedouyinzangzhe，jiarujialidejingjizhizhuchuxianleyiwai
，namegezhongdaikuanjiumeibanfahaikuan。danshiruguoyoubaoxiandehua
，baoxiangongsihuichengdansuoyoudedaikuan，buzhiyuyouyumeiyoujingjinenglizhifudaikuanerchuxiangezhongqingkuang，sangshileduishenghuozuijibendebaozhang。yinci，zheyidianfeichangguanjian。

二、先大人後孩子

womenyaozhidao，jiarudarenfashengyiwai，budanhuiyinweimeiyoubaoxianerdebudaopeifu，haizidehouqixubaoyeshigewenti
，yidanhouxubaofeigenbushang
，haizidebaoxianyejiuhuangfeile。

三

、買房之前先投保

大da家jia可ke以yi想xiang一yi下xia，如ru果guo出chu現xian大da的de人ren身shen意yi外wai，收shou入ru中zhong斷duan，貸dai款kuan方fang將jiang會hui收shou回hui房fang產chan，家jia人ren也ye會hui受shou到dao連lian累lei，因yin此ci在zai購gou房fang之zhi前qian要yao先xian投tou保bao，那na麼me對dui於yu正zheng在zai還hai房fang貸dai的de家jia庭ting要yao如ru何he買mai保bao險xian呢ne
？一yi般ban來lai說shuo，一yi個ge家jia庭ting將jiang要yao還hai多duo少shao的de房fang貸dai，在zai還hai貸dai期qi間jian內nei就jiu要yao投tou保bao多duo少shao的de壽shou險xian。

四、保障類保險優先於投資理財類保險

baoxiandebenzhishibaozhang，shifengxiandezhuanyi

，licaidediyibujiushizuohaofengxiandezhuanyi，zuohaobaoxianbaozhangshizuoqitadexiaofeianpaihetouzilicaidejichu。duobaoyujianyixianbaozhanghoulicai，meiyoubaozhang，yiqielicaidoushikongtan。

總結：
家jia庭ting保bao險xian配pei置zhi要yao遵zun循xun以yi上shang四si點dian
，特te別bie是shi要yao先xian給gei家jia庭ting支zhi柱zhu購gou買mai保bao險xian，這zhe是shi因yin為wei家jia庭ting支zhi柱zhu出chu現xian意yi外wai，各ge種zhong貸dai款kuan都dou會hui由you保bao險xian來lai墊dian付fu，不bu會hui導dao致zhi無wu力li支zhi付fu貸dai款kuan而er出chu現xian悲bei慘can的de結jie局ju。

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